Price (90d)
No price history yet — the daily price refresh runs once a day.
Signal Score (90d)
98Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $825.80M | $253.59M | $1.78 |
| 2024 | $739.21M | $223.51M | $1.56 |
| 2023 | $622.31M | $198.98M | $1.39 |
| 2022 | $551.27M | $234.47M | $1.64 |
| 2021 | $505.62M | $227.56M | $1.60 |
Social Signal Score
Earnings
Thu, Oct 22(in 2 months)
Consensus estimate $0.52 per share
Typical surprise +4.4% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 16$0.50 vs $0.50miss
- Thu, Apr 16$0.50 vs $0.47beat
- Thu, Jan 22$0.51 vs $0.48beat
- Thu, Oct 23$0.36 vs $0.43miss
- Thu, Jul 17$0.47 vs $0.45beat
- Thu, Apr 17$0.43 vs $0.43beat
Estimates and results for FFIN via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from FFIN's reported EPS growth of 2.7% a year over 4 years.
- EPS in 5 years
- $2.02
- Implied price
- $34.42
- Return from $35.28
- -0.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $17.11 — -51.5% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 11 | 14 | 17 | 20 | 23 |
|---|---|---|---|---|---|
| -7.3% | -17.7% | -13.6% | -10.2% | -7.2% | -4.6% |
| -2.3% | -13.2% | -8.9% | -5.3% | -2.2% | 0.6% |
| 2.7% | -8.8% | -4.3% | -0.5% | 2.8% | 5.7% |
| 7.7% | -4.4% | 0.4% | 4.4% | 7.8% | 10.9% |
| 12.7% | 0.1% | 5.0% | 9.2% | 12.8% | 16.0% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (2)
- News (RSS)seekingalpha·20h ago·Neutral
First Financial Bankshares: Lofty Valuation Continues To Weigh
View source ↗ - Newsseekingalpha.com·1d ago·Neutral
First Financial Bankshares: Lofty Valuation Continues To Weigh First Financial Bankshares (FFIN) has been a disappointing performer over the past year, entirely missing out on the banking industry's large rally. FFIN's operating performance hasn't been poor. Revenue, earnings and book value have all grown nicely, but the stock has been hampered by valuation changes. With around 40% of its interest-earning assets invested in relatively low-yielding bonds, repricing should be an ongoing tailwind f…
View source ↗